The Credit Karma Money team is a fundamental piece to achieving that vision. We want to change consumers' relationship with money, to help them spend wisely, save for the future and build wealth. With the launch of high yield savings and checking/ debit a few years back, we are well on our way to achieving this vision of helping our members throughout their financial journey. The Risk and Payments data science team is on a mission to enhance the Credit Karma Money product and service experience for members, by optimizing existing features and enabling new features while protecting members and their money from fraud, through the application of machine learning and artificial intelligence solutions. As Credit Karma Money grows, it's more important than ever that we continue to build world-class risk and payment capabilities within our data infrastructure.We are looking for an innovative, experienced and hands-on Staff Data Scientist to join our effort to help Credit Karma Money members achieve their financial goals.What you'll do:Provide technical leadership for the Risk & Payments Data Science team by enhancing the impact of others and playing an active role in fostering a culture of ownership and autonomy.Lead the credit risk data science initiatives for the new and evolving CK Money product offerings focusing on the lending domain, including complete hands-on ownership of the model lifecycle, ownership of success and key results at the program-level, and driving the technical strategy and strategic decisioning roadmap across all involved teams.Partner with colleagues throughout the organization to identify high-impact opportunities to leverage and utilize data science models to best suit the business needs, including contributing to strategies which balance revenue and risk.Contribute to the evolution of our data and machine learning infrastructure to improve efficiency and effectiveness of data science solutionsContribute to the design and execution of a cohesive data strategy (evaluating, obtaining, accessing and optimally storing data) across all data usersRepresent the team and Credit Karma in internal and external forums such as executive level presentations, conferences, speaking engagements and meetups, and act as a talent magnet and spokesperson in such forums. Research and implement practical and creative machine learning and statistical approaches suitable for our fast-paced, growing environment.What's great about the role:Solve hard, meaningful problems with fun, smart people.Experience professional growth and encourage growth throughout the team.Work cross functionally (with executives, engineering, rules & strategy, product, analytics, operations and other data science teams) to ensure efficient and effective use of data science in ways that make an immediate and substantial impactMinimum Basic Requirement:Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or a related quantitative discipline6-8+ years of experience in Data Science / Machine Learning and related areasRelevant work experience in credit risk and/or financial fraud risk, with deep understanding of payment systems, money movement products, and banking, finance, credit bureau, and fraud detection dataExperience and deep understanding of a variety of machine learning techniques, including but not limited to, deep learning, tree-based models, reinforcement learning, clustering, time series, causal analysis, and natural language processingProficiency in deep learning ML frameworks such as TensorFlow, PyTorch, etc. Ability to quickly develop a deep statistical understanding of large, complex datasetsExpertise in designing and building efficient and reusable data pipelines and framework for machine learning modelsAuthoritative knowledge of Python and SQLStrong business problem solving, communication and collaboration skillsAmbitious, results oriented, hardworking, team player, innovator and creative thinkerPreferred Qualifications:Work experience with public cloud platforms (especially GCP), Apache airflow, Vertex AI, unsupervised machine learning, anomaly detection, Scala, data-driven strategy design and optimizationExperience in MLOps infrastructure and toolingExperience in graph modeling (GNNs)Experience with experimentation design and analysisBenefits at Credit Karma includes:Medical and Dental CoverageRetirement PlanCommuter BenefitsWellness perksPaid Time Off (Vacation, Sick, Baby Bonding, Cultural Observance, & More)Education PerksPaid Gift Week in DecemberPay Transparency Notice: Credit Karma's mission of championing financial progress for all starts from within. That's why we implemented role-based compensation, which ensures people who are in the same role receive the same pay with variations for geographic location only. It's all part of a more comprehensive DEI strategy that helps level the playing field. The base salary for this role is $331,066, plus equity and benefits.
